These people are the bane of my life. I have all my debts sorted and arranged apart from these monkeys. My debt in April when I started asking for an arrangement was £2152.62. Between ex and me that was run up. He wasn't paying etc etc but I have been looking to pay and agreed to them from June I would pay £70 pm if they would freeze interest etc I paid £70 last month and it hasn't even touched it. Since April till now when this has finally been sorted cause they wouldn't agree an amount the account is now at £2401.66!!! The interest that is going on is more than what I'm paying them. They are essentially using me as a cash cow (MOOOOO) I wrote to them recently in an email to ask them what the heck was going on, that I would continue paying the £70 pm if they could reciprocate with freezing the interest and if not I would reduce payments to £5pm. I got this back from advisor: Thank you for your email. Please note, your next statement is due to go out on 8th August 2015 and you have 28 days from this date to make your next payment. We note your request to suspend interest and charges on the account, however, we are unable to agree to this at the present time. Your account and financial situation will be reviewed within six months. At the point of the review, we will look at the payments that you have made since the arrangement was agreed. We will also take into consideration the interest and current payment rate. Your interest is not frozen at this moment. Before we can consider your account for review, it's really important that you keep up to date with your agreed payments. Paying regularly, and on time will have a positive influence on the review decision. If you wish to talk to us about the above, or anything else, please contact us on 0345 074 2107. Yours sincerely Ansab Adris Customer Correspondence Team Is this right or actually something they can do and are just not willing to do? It looks like it still all going through Fashionworld and not their in house collections team or 3rd party. Just looking for some advice on what could happen and what to do next. Thanks L x:|

Right I am now a couple more months down the line. All still bar Minicredit on board. This was apparently passed to Opos which is fair enough. They tried to call me a couple of times on my mobile while I was at work. but they haven't ever tried my mobile and no letters have been received......I can't even get on to Oposlimited.com has their website changed or something happened to them? What should I do now regarding them? Just a bit concerned incase they try and contact me at old address which is where my dad lives....

After months of nowhere its finally come.... mini credit Dear madam Despite our efforts you have chosen not to settle the above outstanding account (which is now £840, as they have managed to put 3 £100 debt recovery costs on there?! but orig amount was £156.00) We have no alternative but to escalate the matter. If full payment is not made by close of business on 22nd September the matter will be referred to our legal team. There will be legal charges added to your account. On 10th October 2012 we will mark default status on your credit file. Also be aware that forthcoming CCJ on your name affects severely your ability to receive credit in the future including credit cards, mortgages. To avoid futher unneccessary costs please ensure payment is sent by return. OK, so what do I say to them now and what do I do now???

So what should I tell them now?

The minicredit saga continues......what now?? The Following Response is being sent to You according to the Formal Complaints Procedure. As I understand correctly You are not able to settle the account with a full and final settlement payment or settlement plan. The only option to settle the balance is by setting up a payment plan. Although we do understand that You are going through financial difficulties at the moment, we are not in a position to freeze the interest until the 1st of November 2012 when the Loan is defaulted. We are still able to waive the total amount of debit attempt fees and the debt recovery fee from the outstanding balance. The interest cannot be frozen due to the fact that Microcredit Ltd has provided the funds to You for 30 days only, but You broke this agreement and are to use our fund a lot longer. The overdue penalties of £25 and £55 are considered payable for breaking the Loan Agreement and cannot be waived from the balance. The total outstanding balance £691.40 from the date of issuing (4th of June 2012) until today thee the 15th of August 2012 consists of the following: 1. Loan principal £120 2. Interest in total £86.40 (1% of the Principal per day) 3. Overdue penalty £25 (was added on the 1st day overdue) 4. Overdue penalty £55 (was added on the 3rd day overdue) 5. Debt Recovery fee £100 (was added on the 30th day overdue) 6. Debit Attempt fees in total £305 (every unsuccessful attempt to receive the repayment costs up to £5). The following information has been taken from the Loan Agreement: KEY INFORMATION If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of £25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 2 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of £55. If we unsuccessfully attempt to obtain repayment we may charge up to £5. Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. Repayment, Default and Recovery 8. You agree to make all payments to us under this Agreement at the proper time. We will collect payments by debiting your bank account using the debit card details you have registered with us up to three times per day. You authorise us to debit your bank account to collect payments due under this Agreement. If we are unsuccessful in collecting payment, we may try to debit your bank account again at a later stage until we have successfully collected payment. If you have provided us with details of a second debit card and we are unsuccessful in collecting payment from the first debit card, you authorise us to seek payment via the second debit card in the same way as you authorise us to seek payment via the first debit card. You must give us new valid debit card details when you cancel, lose or your debit card(s) registered with us become(s) invalid when you have unpaid loan with us. We are willing to deduct the total amount of debit attempt fees £305 and the debt recovery fee £100 from the outstanding balance and accept a lower amount as the full and final settlement. We are able to accept the amount of £380 as a full and final settlement repayable under a payment plan through our debt recovery partner. The settlement balance consists of the original due date repayment amount £156, interest up to 01/11/2012 £144 and the overdue penalties of £80. The contractual interest rate is 1% of the principal per day from the date of issuing until default date. The above described overdue charges and interest is added in accordance with the Loan Agreement attached to the current e-mail. We will forward the account over to one of our debt recovery partners in the beginning of September 2012 who will contact You shortly after to set up a payment arrangement with affordable monthly payment amounts. Kind regards, Kristel Martinson MiniCredit Head of Customer Support and Claims Department 0871 890 3015 Fax 020 71382919 http://www.minicredit.co.uk

Cheers RenegadeImp, thought that would be the case, lol. Its ok our flat complex is like fort knox. The postie has a key to get in and out, and its a microchip. without them u can't get in, and once u are in the block u can't get any further than that unless someone answers to u.

Ok what do I do now, do i contact them re "by the way u are telling porkies, bring it on" or what do I do. Got the infamous "pay the whole amount now or we are going to send our people round to yours" doorstop collection notice, oh n the amount owed is now £522.00, plus £100 for them dropping by. Thank u in advance Loz x

Minicredit make me so angry. Just been sent this The Following Response is being sent to You according to the Formal Complaints Procedure. The first contact You made with our Company regarding the current outstanding loan was on the 20th of June 2012 when You e-mailed us asking for a payment plan. We activated the hardship form on Your online account so that You could apply for a payment plan. You have refused to follow the instructions because You do not wish to provide us with the information regarding Your other creditors. Microcredit Ltd has the right to have this information in order to see Your income and expenditure sheet and take into consideration Your other financial obligations. We also need supportive documentation to see that the loss in the household income was unforeseen and unknown for You at the time of applying for the loan. Without supportive documentation to prove that the difficulties were unforeseen or if several other short-term loans (5 or more is considered fraudulent borrowing) were taken from other Creditors we are unable to provide You with a payment plan without Legal proceedings. Please follow the Procedure set for Customers who need a payment plan. The overdue penalties You have also disputed are in accordance with the Loan Agreement and legally justified. We are unable to waive the penalties from Your outstanding balance. The following information has been taken from the Loan Agreement: KEY INFORMATION If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of £25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 2 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of £55. If we unsuccessfully attempt to obtain repayment we may charge up to £5. Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. Once we have received the hardship form back and the payment plan is agreed to be set up the account will be allocated to our debt recovery partner. Please be aware that the Hardship team member will also contact You by phone to discuss the balance and send You a written confirmation of the agreed offer before the account is sent to the third party debt recovery agency. Microcredit Ltd is able to provide our Hardship customers three possibilities: The first option is a settlement. The settlement means that when You contact our Customer support we are able to reduce the current outstanding balance and waive some of the failed debit attempt fees. The settlement must be paid over the phone during the phone-call with a debit/credit card. The second option we are able to provide You is a settlement plan. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. You would need to make at least one payment a month towards the balance. Before the 120th comes days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. The reasonable settlement amount must cover the daily interest for every day our funds have been used, the loan principal and the two penalties for breaking the Loan agreement. The interest is 1% of the Loan principal per day. We are able to decrease some of the failed debit attempt fees. Microcredit does not provide You the dates nor the amounts when You need to make the payments. The partial payments possibility is available 24/7 on Your http://www.minicredit.co.uk online account under "Repayment" section. The most important part is that at least once a month a payment of any amount must be made. The loan should be cleared latest by the 120th overdue day. The settlement can be discussed at any point when You have a larger amount available to offer as a full and final settlement. The third option is a payment plan. The payment plan means that we will add the default date interest to the loan principal, the two penalties for breaking the Loan agreement (£80) and the decreased debit attempt fees and forward the account to our debt recovery partner from the beginning of the next month. The default is marked on the credit reference but You will be able to make the payments on a monthly basis to clear the balance. Kind regards, Kristel Martinson MiniCredit Claims Department 0871 890 3015 Fax 020 71382919 http://www.minicredit.co.uk kristel.martinson@minicredit.co.uk What now?? Also first contact was on the 10th june, then 16th then the 20th when they finally decided to respond. What should I say to them now? Loz x

Result!!! Still being hampered by Minicredit, but Payday Express, after constant calls, I wrote to them on the 27th with this. Dear Payday Express. You say on the phone and on here that it has to be to do with my own personal circumstances, yet on the email below as well you mention long term illness for a partner. My partner is long term ill and because of reductions in his DLA, ESA and IIB this is why I cannot pay this in full and I have tried time and time again to sort out a repayment plan. For you to say this cannot be done is rubbish as I have done my digging online and one of the people I speak to has been set up on a repayment plan with you because her dad is long term ill and she is now having to look after him as well. So is it now one rule for one person and one for another. As I have said on the phone to you as well you have an obligation and OFT guidelines to follow as a lender... 2.2 In general terms, businesses: • treat debtors fairly – debtors should not be subjected to aggressive practices, inappropriate coercion, or conduct which is deceitful, oppressive, unfair or improper, whether unlawful or not. • be transparent in their dealings with debtors and others – information provided should be clear and should not be confusing or misleading • exercise forbearance and consideration – in particular towards debtors experiencing difficulty - we would expect businesses to work with debtors with a view to providing them with reasonable time and opportunity to repay debts and, where appropriate, to signpost them to sources of free independent debt advice • act proportionately when seeking to recover debts, taking into account debtors' circumstances - actions taken in respect of arrears or default should give proper consideration to available options and the likely effect of such actions on the debtor18 • establish and implement clear, effective and appropriate policies and procedures for engaging with debtors and other relevant parties, including having appropriate mechanisms for responding to reasonably queried and disputed debt. • establish and implement clear, appropriate and effective policies and procedures for identifying and dealing with particularly vulnerable debtors. 3 UNFAIR OR IMPROPER BUSINESS PRACTICES 3.1 This chapter identifies matters that the OFT considers to be unfair or improper business practices for the purposes of section 25(2A)(e) of the Act. These are set out under the following sub-headings: • Communication: businesses should communicate in a clear, accurate and transparent manner • Physical/psychological harassment: businesses should not engage in physical or psychological harassment of debtors, or relevant third parties • Deceptive and/or unfair methods: businesses should be truthful and fair in their dealings with debtors and others • Charging for debt recovery: charges should not be levied inappropriately or unfairly • Debt collection visits: those visiting debtors must not act in a threatening or unclear manner • Statute barred debt: businesses should not use unfair methods (including misrepresenting the legal position) if seeking to recover statute barred debt i. pressurising debtors to pay more than they can reasonably afford32 without experiencing undue difficulty33 failing to allow for alternative, affordable, repayment amounts when a reasonable proposal is made by a debtor or a third party representative acting on his behalf (for example, a debt adviser) Charging for debt recovery 3.10 Charges should not be levied inappropriately or unfairly. 3.11 Examples of unfair or improper practices are as follows: a. misleading debtors into believing they are legally liable to pay recovery charges when this is not the case b. claiming recovery costs from a debtor in the absence of express contractual provision to be able to do so For example, where there is no provision in the credit agreement that expressly allows for such charges to be levied. c. not giving a clear indication in credit agreements of the amount of any charges payable on default d. applying unreasonable charges. In In the OFT's view, creditors should consider reducing or stopping interest and charges where a borrower evidences that he is in financial difficulty and is unable to meet repayments as they fall due or when he can only make ‘token’ repayments such that his level of debt would continue to increase if interest and charges continue to be applied 52 An 'unreasonable charge' in this context would be a charge, the level of which, is not based on the recovery of actual and necessary costs So in view of you not adhering to OFT guidelines, can I please have your address to send a formal letter of complaint to yourself and to the OFT, hereby giving you 8 weeks before I contact the FOS. Got a singular call this morning from someone called Nicholas, to which I just said I am dealing with this by email, goodbye. Turns out I got an email from him just 9 minutes later saying this: We thank you for your email, the contents of which have been noted. We write to inform you that we will accept your offer of repayment. We would ask that you provide the dates and means of the payments you will be making. Please direct all your queries to Nicholas Krauspe, so I can help you with going forward. Regards, Payday Express So after all the crap they have put me through they have decided they can accept whats happened and accept my offer.....HALLELUJAH BREAK THROUGH MOMENT!!!! So they will be getting money from the end of this month. Thats now 4 of 6 getting paid on a monthly basis. Just Lending Stream who has still not contacted me, and Minicredit chomping at the bit. Woohoo, I feel great. Loz

Lol their threaty email. We would like to remind you that your MiniCredit overdue loan balance is £420.00. >If we are unable to recover full amount within next 10 days we'll send Your account to THE DOORSTEP COLLECTOR and You will incur extra costs. >We may also start legal action against You. We also report the status of Your outstanding account to Credit reference agencies. All this process affects your credit score adversely and ability to receive credit in the future. >Best regards

The Following Response is being sent to You according to the Formal Complaints Procedure. Microcredit Ltd has provided You all the options that we are able to offer. We are reminding You to settle this account under the terms that are written in the Loan Agreement that You electronically signed and accepted. Unfortunately You have refused all the offers that have been provided to You. We are able to decrease the payment plan balance from GBP425 to GBP380 waving all of the failed debit attempt fees of GBP45. The amount of GBP380 consists of the loan principal, interest until the default date and the two penalties of GBP80 of breaking the Loan Agreement. This can either be settled under a settlement plan within 100 days or with our Debt Collection partner during a longer period of time but when we send the account off to our Debt Collection partner the default will be immediately marked on Your credit file. Please let me know what You decide considering the above latest by the 31st of July 2012 because if You wish to set up a payment plan we need to send Your account to our debt recovery partner from the beginning of August 2012. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department What should I tell them???

Random thought, can they through these charges on willy nilly when they aren't outlined in their loan agreement KEY FINANCIAL INFORMATION Credit Limit: £1000.00 Each time you borrow from us, you must make one repayment, which is to be made 1 to 42 days after the day on which you receive the loan from us. The amount of your repayment depends upon the amount you borrow from us. If you make your required repayment, there will be no other repayments you will need to make. We may vary the amount of your repayment and your repayment date, on written notice, to reflect any extension of the due date for repayment. *APR: 4144% pa *APR is the total cost of the credit to you including all interest, fees and charges, expressed as an annual percentage of the amount of credit granted. OTHER FINANCIAL INFORMATION Total Charge for Credit: The 'Total Charge' for Credit depends upon the amount you borrow from us. The following shows the total Charge for Credit you will pay for the different amounts that you can borrow what depends of loan amounts: 1) Interest charges: 1% per day of loan amount. 2) Fast Advance Transmission Fee £19.50, repayable in advance (optional). 3) Loan request charge £1 if made by text message, online request is free. 4) Subsequent repeated online requests maybe chargeable if previous one declined. Advance payments: £0.01 (being an initial registration fee which is payable once only) The 'Total Charge' for the Credit shown above is the only charge and there are no other charges for the Credit under this Agreement. The 'Total Charge' for the Credit is made up of the following parts: Interest charges 1% per day depending on how much you borrow; and Loan request fee of £1.00 (payable each time you borrow an amount from us under this Agreement by text message, first online request is free) and Fast Advance Transmission Fee £19.50, repay- able in advance (optional). Fast Advance Transmission fee is applicable to all loan applications if not notified in written form at least three days before sending loan application. If your bank account you have provided does not support faster payments scheme we may still charge £19.50 Fast Advance Transmission and handling Fee £19.50. Rate of interest on the Credit to be provided under this Agreement: 365% The rate of interest on the Credit to be provided under this Agreement is fixed. Interest charges have been pre-computed at the commencement of this Agreement. Interest charges are applied and calculated under this Agreement on the date which repayment falls due, being 1 to 42 days after the day on which you receive each amount borrowed under this Agreement. KEY INFORMATION If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of £25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 2 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of £55. If we unsuccessfully attempt to obtain repayment we may charge up to £5. Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. MISSING PAYMENTS Missing payments could have severe consequences and make obtaining credit more difficult. IMPORTANT - YOU SHOULD READ THIS CAREFULLY ABOUT YOUR RIGHTS The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been completed when the agreement was made. If they were not, we cannot enforce the agreement without getting a court order. The Act also gives you a number of rights. You can settle this Agreement at any time by giving notice in writing and paying off the amount you owe under this Agreement. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms. This Credit Agreement can only be signed by you electronically. Once you have done so, we will send a pdf copy of the agreement to the e-mail address you have nominated and agreed we can use to send documents to you under this Agreement. IMPORTANT - USE OF YOUR INFORMATION You have a right to know how we will use your personal information. It is important that you should read clause 14 overleaf entitled 'Use of Your Information' before you sign. We may send you information about products of ours and others which may be of interest to you. We may pass your details to other selected businesses to send you information about their products. You have a right at any time to stop us from contacting you or giving your details to others for these purposes. You may write to us at 30 Borough High Street, London SE1 1XU, or contact us at http://www.minicredit.co.uk/contact if you wish us to stop. LOAN CONDITIONS Application of these Loan Conditions 1. These Loan Conditions will apply to the Credit Agreement entered into by you and us ('the Agreement'). Warranty 2. You warrant that you are at least 18 years old and that the information provided by you to us prior to entering into this Agreement is correct and you authorise us to undertake such investigation or enquiry about you that we may wish to make. Also you warrant that the bank account and the card details you provided during the registration process are registered on your name and address. Registration and PIN 3. When you register and apply with us ('Registration'), we will, at our discretion, provide you with a unique Personal Identification Number ('PIN') which is personal to you and which will enable you to make a request to us to borrow the sum from £100.00 to £1000 from us ('Request'). 4. Registration costs the sum of £0.01. This sum shall be paid by debit card. This sum reflects the administrative costs we incur in processing your Registration. As such, this Registration cost is nonrefundable, regardless of whether you make a Request subsequent to Registration. However if you cancel this Agreement in accordance with the Financial Services (Distance Marketing) Regulations 2004 (see paragraphs 13 to 15 below), we will refund this Registration cost. Request 5. Upon receiving a Request from you, we will, at our discretion, loan you the sum you have requested by crediting your bank account, using the bank account details you provided to us duringRegistration. To make a Request you need to send us a text message from the mobile phone number you provided to us during Registration and in accordance with the Request instructions published on our website, http://www.minicredit.co.uk ('our website') from time to time. Alternative request can be done online during registration and from secure client account by logging in at our website. If we decline first request then subsequent request may incur charge up to £2.50. All other service charges are published on our website and/or secure client account. One Loan at a Time Only 6. We will only loan you one amount, of up to £1000.00, at any one time. Once you repay a loan in full (together with payment in full of any other amounts you owe under this Agreement), you can make another Request and we will, at our discretion, loan you a further amount of up to £1000.00 on the same terms. Loan extensions 7. Repayment of each loan and interest at the contractual rate is due 1 to 42 days after the day you receive the loan in your account. At our discretion you can extend any given due date for repayment by making an extension request ('Extension Request'). An Extension Request must be: (i) in accordance with the Extension Request instructions and fees published on our website from time to time; and (ii) received by us no later than one day prior to the relevant due date for repayment. Repayment, Default and Recovery 8. You agree to make all payments to us under this Agreement at the proper time. We will collect payments by debiting your bank account using the debit card details you have registered with us up to three times per day. You authorise us to debit your bank account to collect payments due under this Agreement. If we are unsuccessful in collecting payment, we may try to debit your bank account again at a later stage until we have successfully collected payment. If you have provided us with details of a second debit card and we are unsuccessful in collecting payment from the first debit card, you authorise us to seek payment via the second debit card in the same way as you authorise us to seek payment via the first debit card. You must give us new valid debit card details when you cancel, lose or your debit card(s) registered with us become(s) invalid when you have unpaid loan with us. 9. If you fail to make any payment by the due date, we may, after serving any default notice required by law and after the period for remedying any default has passed, end this Agreement. In such cases, you must pay any balance of the amount you owe us under this Agreement. 10. Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. Cancellation 11. You have the right to cancel this Agreement under the Financial Services (Distance Marketing) Regulations 2004 ('the Distance Regulations'). You will have 14 days from the date this Agreement is made to cancel the Agreement 'the Cancellation Period'). The Cancellation Period commences on the day that you receive an electronic copy of this Agreement at the e-mail address provided by you, which you agree we may deliver this Agreement to in electronic pdf form. If you wish to cancel this Agreement, please write to support@minicredit.co.uk and tell us that you wish to cancel. You may also give us notice of cancellation by: http://www.minicredit.co.uk/contact (i) leaving a written cancellation notice, addressed to us, at our address; (ii) posting a written cancellation notice, addressed to us, to our address; or (iii) sending a written cancellation notice to us by facsimile on 020 7138 2919. 12. If you cancel this Agreement, this Agreement will be terminated at the time which your cancellation notice is given, however you will have to repay any money lent to you as soon as possible and in any event not later than 30 calendar days of giving us notice of cancellation. Where you have borrowed money from us and you cancel this Agreement, we may charge you £1.00 per day for every £100.00 you have borrowed from us, with such charge commencing on the day that you receive the relevant £100.00 from us and ending on the day your cancellation notice is given. 13. Apart from your right to cancel the Agreement under the Distance Regulations, described above, there is no other right of cancellation. If you do not exercise your right to cancel under the Distance Regulations, you will be bound by the terms of the Agreement. Use of Your Information 14. In considering your application we will search your record at credit reference agencies. They will add to your record details of our search and your application and this will be seen by other organisations that make searches. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any 'associated' records. We will use a credit scoring or other automated decision making system when assessing your application. We will also add to your record with the credit reference agencies details of your agreement with us any default or failure to keep to its terms and any change of address you fail to tell us about where a payment is overdue. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this. These records will be shared with other organisations and used by us and them to: · Help make decisions about credit and credit related services such as insurance for you and members of your household; · Race debtors, recover debt, prevent money laundering and fraud, and to manage your accounts. For these purposes we or they make further searches. Although these searches will be added to your record, they will not be shared with others. We may also use information about you to carry out market research. Fraud prevention agency records will also be shared with other organisations to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household. Please contact us at (http://www.minicredit.co.uk/contact) if you want to have details of those credit reference and fraud prevention agencies from whom we obtain and to whom we pass information about you. You have a legal right to these details. You have a right to receive a copy of the information we hold about you if you apply in writing. A feewill be payable. General 15. No relaxation or indulgence granted by us shall affect our rights under this Agreement. 16. You will notify us if you change address. 17. We may assign our rights and obligations under this Agreement. 18. You may not assign your rights and obligations under this Agreement without our prior written consent. 19. We are a Data Controller for the purposes of the Data Protection Act 1998. We draw your attention to our Privacy Policy which explains how we use any information you provide to us during your use of our website. 20. Any notices given to you in relation to this Agreement shall be sent via by e-mail to the e-mail address you have provided to us during Registration ('your e-mail address'). You agree that we may send a copy of this Agreement in pdf form, as well as any notices given to you in relation to this Agreement, to your e-mail address. At our discretion, we may also serve any notice or demand on you personally, or leave it or send it by prepaid envelope addressed to you at your last known address. You may serve any written notices on us by first class post to our registered address or contact us at http://www.minicredit.co.uk/contact 21. Any waiver by either party of a breach of any provision of these Loan Conditions and/or this Agreement shall not be considered to be a waiver of any subsequent breach of the same, or any other, provision. 22. A person who is not a party to this Agreement has no right to benefit under or to enforce any term of this Agreement. 23. This Agreement is governed by English Law Anything else at fault in this agreement?

After receiving the automated threat letter from them of, if you don't pay within 30 days we will send it to a doorstop collector and may get legal action against you, I told them to stop making threats and respond to my email. I have no got this.....Thoughts? A MiniCredit Claims Department member has replied to your claim, with the following response: The Following Response is being sent to You according to the Formal Complaints Procedure. Microcredit Ltd has provided You all the options that we are able to offer. We are reminding You to settle this account under the terms that are written in the Loan Agreement that You electronically signed and accepted. Unfortunately You have refused all the offers that have been provided to You. We are able to decrease the payment plan balance from GBP425 to GBP380 waving all of the failed debit attempt fees of GBP45. The amount of GBP380 consists of the loan principal, interest until the default date and the two penalties of GBP80 of breaking the Loan Agreement. This can either be settled under a settlement plan within 100 days or with our Debt Collection partner during a longer period of time but when we send the account off to our Debt Collection partner the default will be immediately marked on Your credit file. Please let me know what You decide considering the above latest by the 31st of July 2012 because if You wish to set up a payment plan we need to send Your account to our debt recovery partner from the beginning of August 2012. We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email. Kind regards, Minicredit Claims Department

You;'ve twisted my arm, sorry I'm a born worrier. 3 of 6 agreed, 2 being pains n one never heard from

Ok fair enough I shall do that with both of them and get that to OFT. As where the FOS is concerned, I have read recent replies on the boards here that the FOS is just flying through correspondence and ruling against us saying everything is in their terms and conditions so we have to pay up?!

Ok how do I make the complaint then to OFT?? I asked Minicredit how they arrive at over £2000 for a mere £120 loan that was due £156 to pay back. And I got this......Again any info or help regarding this response and what to make of it. The following information has been taken from the Loan Agreement: KEY INFORMATION If you break this Agreement, we will charge you if we unsuccessfully attempt to obtain repayment on the due date for repayment. A fee of £25 will be charged on the day that your missed payment was due. If we unsuccessfully attempt to obtain repayment on the due date, we will attempt to obtain repayment a second time 2 days later, and if we unsuccessfully attempt to obtain repayment on this second occasion we will charge you a further amount of £55. If we unsuccessfully attempt to obtain repayment we may charge up to £5. Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. Also, you must pay us all other reasonable costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing you, or enforcing, or attempting to enforce, our rights under this Agreement. The total balance of £2180 from the date of issuing (4th of June 2012) until the default date of 1st of November 2012 consists of the following: 1. Loan principal £120 2. Interest in total £180 (1% of the Principal per day) 3. Overdue penalty £25 (was added on the 1st day overdue) 4. Overdue penalty £55 (was added on the 3rd day overdue) 5. Debit Attempt fees in total £1700 (every unsuccessful attempt to receive the repayment costs up to £5) 6. Debt Recovery fee £100 (was added on the 30th day overdue) The Loan Agreement states that Interest on any sum in arrears will be charged at the contractual rate, both before and after judgment, until payment. And also that the Customer has to cover the costs and expenses we incur (including any legal costs on a full indemnity basis) in tracing the Customer, or enforcing, or attempting to enforce, our rights under this Agreement. Kind regards Minicredit Claims Department ?????? Also got this one back from Payday Express who seem incompetent. Again feedback? Thank you for your recent contact. Unfortunately we are unable to continue with your repayment plan application. Our accepted criteria for a repayment plan is proof of one of the following • Significant Loss of income • Unexpected change in personal circumstance, e.g. Long term sickness • Severe Disability or illness (including close family members) • Terminal illness or Mental illness (including close family members) • Deceased (including close family members) • Redundancy or Reduced hours (contractual hours reduced by company) Although we are unable to accept your payment offer arrangements to assist you, please contact our Financial Difficulties Team on 0115 908 1163 so we can discuss alternatives in assisting you. Regards, Payday Express My partner is long term disabled and it is because of him we can't pay this back cause he has had major reductions in his benefits. So in essence, personal circumstance too.. Feedback? Loz x

Just checked through my email. responded to the above email saying: Dear Sir or Madam, I am wanting to pay this back but I would like a full and final amount from you cause at the moment if I am paying to yourself I would be paying a partial repayment fee online, plus you are still adding interest on while I am still paying so I would be making no ground whatsoever. If you can provide me with a full final amount then we can make grounds to put a repayment plan together. I am more than obliging to enter into one, but the options that you stated were "pay now and keep paying all the interest, and if you don't pay it all we will still come after you for more" or "we will add 120 days of interest before handing it over for collection" NEITHER of them viable options or looked on fairly by the OFT or the ombudsman. Again I ask you to consider my repayment options I have made, that is all I can pay on a month basis. Everyone else has now agreed to look at my repayments and they have been made, so its up to you. Oblige by what the OFT and Financial Ombudsman put to you in their guidelines for people in my situation where we have had some financial difficulty. It happens, and as a lender you have an obligation to help. I look forward to your reply Regards And I got this email from them today.....HELP?! Dear , You have been provided with the fair and reasonable full and final balance of £425 to be repaid under a payment plan. When the assessment on Your payment plan request was made we took into consideration Your circumstances at the time of applying and when the loan was due to be repaid. The balance £425 consists of the original repayment amount £120, interest £180 for the following 120 days from the due date, the overdue penalties (£80) for breaking the Loan Agreement and the failed debit attempt fees up until the 10th of July 2012 (£45). Payment plans with decreased balance can only be offered to Customers who suddenly face unforeseen financial difficulties after taking out the loan. For example the Customer who takes out the loan with the intention of setting up a payment plan on the due date (the cause of the financial difficulties happened before taking out the loan) does not qualify to have the balance reduced and the payment plan set up. 1. Why was the repayment not made on the due date? 2. What happened? 3. When happened? The three above questions are necessary to be answered and supported with documentation to see that the loan was originally taken out in good faith and You had the intention of making the full repayment latest on the chosen due date. You have also stated that You are entitled to pay only the loan plus one month interest. Could You please provide me with the exact section in the UK law stating the above so that I could be able to forward this to our Legal team? As You have failed to send us the Hardship form with the supportive documentation required and You do not agree with the offers provided to You we have no other option then to add all the charges according to the Loan Agreement and forward Your account in the beginning of August 2012 to our Debt Recovery and legal partner with the default balance of £2180. Kind regards Minicredit Claims Department

This was the email response from mini credit the other day, what do you make of it?? Microcredit Ltd provides short term payday loans. The Customer chooses the due date him/herself and it is also possible to apply for the roll-over latest on the due date and keep the loan for another period of time if the credit check result allows You to. The Loan Agreement was signed by Yourself and sent to the e-mail address You entered on our webpage during the registration. According to the Loan Agreement You have to make all payments with a debit card and the only possibility to make payments is available on Your MiniCredit.co.uk online account. Microcredit Ltd has provided to our customers with unforeseen financial difficulty the option to fill in the Hardship Application on their www.minicredit.co.uk online account. With this option we would require proof of their claims of the financial hardship as we need to be certain that the loan was taken out in good will with the intention of making the full repayment on the due date. As You are not willing to go through the formal Hardship application process Microcredit Ltd is not able to provide You with the best options possible as we have done to all the other customers who are experiencing financial difficulties. We provide all our clients 120 days from the due date to make payments of any amount towards their outstanding balance. Your current loan has been overdue for 13 days which provides You 107 days to make payments of any amount. You would need to make at least one payment a month towards the balance. After the 107 days You would need to make a full and final settlement offer. Microcredit Ltd will then overlook all the payments we have received and they will be taken into consideration while calculating the settlement. This option provides You approximately until the 1st of November 2012 to try to get the Loan cleared. All Customers have the possibility to apply for the roll-over soonest 3 days and latest on the due date if full repayment is not affordable. The information how to apply for the roll-over and how much it costs is available on the online account on our webpage www.minicredit.co.uk 24/7. The roll-over application can be only performed through the online account on our webpage. You neither applied for the roll-over nor made the full repayment latest on the due date the 2nd of April 2012. Our Customer Support advisors are able to take the payment over the phone until 8PM on the number 0871 890 3015. If You make the settlement payment through the partly repayment possibility on the MiniCredit.co.uk online account, please contact our Customer Support immediately after that. A reasonable settlement amount needs to cover the Loan principal (£120) the daily interest of 1% of the Loan principal per day for every day the funds have been used, and the two penalties for breaking the Loan agreement (£80). We are willing to decrease some of the failed debit attempt fees and waive the debt recovery fee of £100 added on the 30th overdue day.

ARRRGHH!!! Still going round in circles. Payday express call about 16 times a day on the home phone, 10 on my mobile plus another 5texts for good measure, even though I have told them ON THE PHONE as well as email that they need to be emailing me, that I have emailed collections re everything. Their response...."their emails go to admin to deal with, collections don't get them so they have no notes on their system" *rubbish* Oh and "that I signed up the the loan so I should pay it", Told them I wanted to and if they do just want to take my income into account then they would only be getting £1. And yet still nothing but numerous calls. Any idea where to go next with these guys?? Lending Stream, still not heard from them at all. Minicredit....ahhhh priceless, giving me the option of paying partly for 120 days without freezing interest so basically getting no where, or telling me to wait till those 120 days are up and they will continue to put all the money on the account plus £100 after 30 days before going to a collector. Again any ideas where to go with this? I have said to all they have an obligation. Loz x

Cheers Dizzy, same if I do for you

Been a while but not much has changed. I managed to get all the CPA's stopped over the phone on my card, the woman at Nationwide was amazing and knew EVERYTHING about them and sent me a mandate form if anything was taken. Right, my debts PaydayUK - 516.00 - They have accepted £65 per month for this payment and I am happy with this. Paydayexpress - 425.00 - Going round in circles with emails/calls/text, the calls I've told them to deal with it in writing so I have a record, so they text (lol) I've sent numerous emails and just get the same two automated responses.... to contact collections@paydayexpress.co.uk and I do! then I get the one about there accepted circumstances, and thats it! Anyone got a more direct contact for them? Yesterday they called 11 time between the house phone and mobile?! Minicredit - 156.00 - Surprise surprise, two default charges in 3 days, one for £25 and one for £55! And they say they are going to keep charging me, again has anyone got a more direct contact for them apart from their online form and collections@minicredit.com? WagedayAdvance - 388.50 - In talks at the moment, but looks like they are going to accept my £32 a month for the next 4 months and then review. 1monthloan - 80.20 - easy to deal with accepted £10 a month straight away Lendingstream - 123.50 - Have had emails saying they have received my income and expenditure and updated my account but not said if they are accepting anything or not! GRRRR! Any advice on any of these and the next step forward would be appreciated. Loz

??

Believe me I would. I tried in person. So if I call when I get in is it stopped immediately or will payments go tomorro? Xx I'm so scared

That's the problem I can't just march in now. I'm literally just finished work n I'm in there from 8 till 6 tomorrow, I need to know if I can do over the phone or if I'm up a certain creek. I just need to know if there is anything I can do as some are going out tomorrow, I haven't heard from them, or am I going to look at my lost card account n see x y n z being taken making me go into unauthorized od. I did ask lady in branch n it was her that said to so card as lost.

I take that as a no n I'm screwed. Loz z